For years I boasted to our congregation that I only preached on stewardship once annually. When that dreaded sermon came, I apologized at the beginning: “If you’re visiting with us today, please understand that we only preach on giving once a year.” In essence I said, “I’m sorry you’ve chosen to come today—I know this subject is a downer. Please come back anyway, and I promise you’ll not hear another sermon on money for fifty-one weeks!”

It’s easy to understand why we tiptoe around the subject of stewardship. Money is still a god to many church members, and many visitors are skeptical of the church’s motives. Certain spiritual con men have fleeced their congregations and given preachers a bad name, and we don’t want to be identified with them.

Even though preaching on money turns some people off, some are turned off when we preach on adultery or forgiveness, too. But we don’t apologize: “If you’re having an affair, please understand we seldom talk about sexual purity. Come back next week and you’ll be more comfortable.” We don’t print a disclaimer in the bulletin: “The preacher will be talking about releasing resentment today. Please understand this sermon is for our members only. If you’re visiting today, you aren’t expected to forgive. If you’re currently harboring a grudge, earplugs are provided.”

About a decade ago, I changed my philosophy from apologizing for teaching on a touchy subject to making it an essential part of my preaching calendar. Now nearly every January, I preach a series of three or four sermons on stewardship.

The results have surprised me—attendance has been good, the number of people coming to Christ has actually increased during the stewardship month, and offerings have improved as much as 15 percent annually! My transition taught me several lessons about preaching on stewardship without alienating the audience.

The $6,000 Sermon

Many immature believers and visitors are alienated when we preach on stewardship because many preachers speak almost entirely about the need to give to the church. Our sermons are erroneously viewed as self-serving—a necessary evil to generate church income—but not spiritual or helpful.

But when the preacher encourages families to get out of debt, to refrain from extravagant luxuries, to avoid wasting money on credit card interest rates, to be generous with their children, or to learn contentment with less, the congregation regards the message as helpful. It’s not viewed as a fundraiser but as a relevant, biblical, and much-needed challenge. A discussion of giving against the backdrop of total stewardship of resources is much more effective than preaching on giving alone.

Once, in a sermon on hoarding, I pointed out the foolishness of waiting until we die to give our children their inheritance. I explained, “When we die, our children will most likely be in their fifties or sixties. They likely won’t need our money then! And so, until our deaths, we hoard it from our grandchildren.

“The time to help our children is when they’re young and need the money. Our children will actually benefit from it, and we can hear them thank us instead of wondering if they quietly hope we croak early! And since we can transfer as much as $10,000 per child annually without the recipients paying taxes on the gift, it’s wise to transfer resources while we’re living.”

Several weeks after the sermon, I received a thank-you letter from a young couple whose parents happened to be visiting that weekend. The wife explained that, after hearing the sermon, her parents sent her and her brother checks for $6,000. Nothing even close to that had ever happened before! The young woman wrote, “My brother and I call that the $6,000 sermon! Please preach more sermons on stewardship—especially when my parents are in town!”

The Best Time to Teach

The timing of a stewardship sermon dramatically affects how it is received. If people are reconsidering their spending priorities, they’re more likely to welcome biblical teaching on money. But if they’re overwhelmed with charities, events, and school expenses, for example, they’ll likely resent a church asking for more money, too.

For forty years, our church’s fiscal year ran from July 1 to June 30. We voted on the proposed budget and made pledges the third Sunday in May. That was when I preached the dreaded sermon on stewardship.

But few people were interested in reviewing their financial commitments in May. We competed with the Kentucky Derby (which is huge in Louisville), Mother’s Day, and Memorial Day weekend. Other things demanded our people’s time, thoughts, and commitment.

January proved a much better month for us to consider stewardship. During January, people make New Year’s resolutions, they’re chastened by Christmas bills to be wiser money managers, and they feel little pressure from other church and community activities.

And even though we moved our fiscal calendar to begin in January, we stopped asking for pledges toward the budget. We don’t want people to regard the sermons as fundraisers. We want them to consider their attitude toward possessions as a personal and spiritual matter, vital to their relationship with God. For us, the beginning of the year is the best time for that.

People Want to Give

When I stopped asking for pledges, it signaled a change in how I preach on money. Most people aren’t motivated to give their best so that they can meet a church budget. Instead of saying, “We need every member to step up their giving so we can meet our budget,” I now say, “When you give, your money will be used to take the gospel to unreached people in Third World countries; it will buy food and clothing for the poor in our inner city; it will enable our children to learn about Jesus at Christian camp.” I remind people repeatedly that they are giving to the ministry of Christ, not just to meet a budget.

The examples I use are more often about the poor who have sacrificed, not the rich who have given huge amounts. Even the wealthy are moved more by genuine sacrifice than by big gifts from the well-to-do.

Jackie Nelson gave a moving testimony years ago that I’ve often repeated. Jackie said, “I am a single mother of three teenagers. My ex-husband does not help. I barely get by. We really want to do our part in this three-year campaign so our new building can be built. But when we discussed it as a family, we realized that we can’t give any more than a tithe. So we decided that our gift would be to pray every day for the success of this program.

“But in the middle of our discussion, my oldest son said, ‘Mom, we’ve got cable television. We don’t have to have that.’ So we’ve decided to give up our cable TV for three years so we can do our part.”

The congregation realized, “If she can make that kind of sacrifice to give a little, we who are so blessed can do even more.” Like the five loaves and two fish that Jesus used to feed a multitude, God took Jackie’s small gift and multiplied it many times over.

I also seek examples that teach through conviction rather than guilt and obligation. For example, I’ve preached:

When my first son was born, we were blessed to have an excellent babysitter who lived next door. Patty not only babysat, she washed dishes, folded clothes, and looked for ways to help around the house. She was dependable, and my son loved her.

When she first started babysitting, I asked Patty how much she charged, and she said, “Fifty cents an hour.” (Obviously this was a long time ago!) I gladly paid that amount.

A few years later, our second son arrived, and I said, “Patty, your responsibilities have increased significantly now. What do you charge for taking care of two children?”

By this time, we had a good relationship, and she said, “Oh, Mr. Russell, just give me what you want to give.”

Do you think I gave more or less than fifty cents an hour?

In the Old Testament, God commanded his people to tithe—10 percent of their crops and flocks were returned to God. In our era, he has given us Jesus Christ, the indwelling Holy Spirit, the fellowship of the church, the privilege of living in the most affluent nation in the world, plus so many personal blessings. Yet when we ask how much we should give, he just says, “Give as you have been prospered. You decide whether that should be more or less than a tithe.”

Most people want to be generous. So I don’t hesitate to use that as a motivation for wise stewardship. When I say, “When you are a wise steward, it honors God, relieves tension, gives you self-confidence, eliminates guilt, enhances your witness, and enables you to give more generously,” people are not offended. They understand I’m not talking about fundraising but about a better stewardship of life.

When They Still Complain

No matter how hard you try to make the subject of stewardship helpful and palatable, some people will still object. Many just love money too much, and when you touch a nerve, you elicit strong emotions. But I often remember an old proverb, “If you throw a rock into a pack of dogs, the one that yelps is usually the one who got hit.”

Criticisms need to be evaluated as objectively as possible, but they should not discourage us from preaching the truth. On the contrary, criticism often illustrates the need for preaching on stewardship more often.

Jesus talked a lot about money, but not everyone responded favorably. When the rich ruler asked, “What must I do to inherit eternal life?” Jesus didn’t try to develop a long-term relationship with him before discussing the subject of generosity. He said up front, “Go, sell everything you have and give to the poor, and you will have treasure in heaven” (Mark 10:21). That wasn’t very seeker-friendly, and the rich young ruler turned and walked away because he had great possessions. But the problem was with the young man’s greed, not Jesus’ message.

Jesus made it clear there’s a close tie between people’s pocketbooks and their hearts. He didn’t say, “If a person’s heart is right, they will give.” He said, “When you invest your money in something, your heart will follow.” When we motivate people to give, we’re helping them to put their heart in the right place.

Despite the occasional criticism, some of the most gratifying experiences I’ve had in ministry have occurred during times of stewardship emphasis. Jerry Nichter, for example, who now serves as chairman of our elders, points to a sacrificial commitment he and his wife made as the turning point in his walk with Christ. “That was the single most deepening spiritual experience of my life,” he admits. Many others echo his testimony.

After making a sacrificial commitment to a major capital campaign, Bill Beauchamp, another elder, wiped tears from his eyes and said, “I just gave away money I don’t have, for people I’ve never met, for a God I love very much.”

Get Ready: I’m Preaching on Money

Here are five ways to prepare your people for a stewardship sermon:

Don’t apologize. A preacher who subscribed to our tape ministry was disgruntled that I had preached four straight sermons on sacrificial giving. “If you don’t’ stop preaching about money, there won’t be any people left to fill up the new building you’re trying to finance,” he wrote.

My wife replied to him, “Dear sir, during the month Bob preached on giving, enthusiasm was high, and twice as many accepted Christ as do in a regular month. Over half of Jesus’ parables concern use of material possessions. Maybe if you preached more often about money, your church would do better. In Jesus’ love, Judy Russell.”

We are ambassadors of Christ, not negotiators. Have confidence that preaching about money is God’s will and that it will strengthen people’s relationship with Christ.

Gain the support of the church leadership prior to the series. An endorsement from church leadership gives you confidence, support, and credibility with the congregation. It also includes and silences some of your most potentially hurtful critics—the leaders themselves.

Include stewardship examples in non-stewardship sermons. A line or two in a sermon unrelated to stewardship reminds the congregation that faithful living always involves giving.

Last Easter, in a sermon on heaven, I talked about our rewards there: “The young Christian woman who remains pure will receive a greater reward than the young woman who yields to temptation. The husband who cares for his sickly wife receives a greater reward than the husband who takes his healthy wife for granted. And the couple who tithes every paycheck from the beginning of marriage will have more treasure in heaven than the couple who gives God the leftovers.”

No one could say the Easter sermon was about giving. But stewardship is such a vital part of life that it should be naturally included on a regular basis.

Emphasize that church funds are administered with integrity. “We want to avoid any criticism of the way we administer this liberal gift. For we are taking pains to do what is right, not only in the eyes of the Lord but also in the eyes of men” (2 Cor. 8:20–21). During every stewardship series, I explain how donations are administered.

The offering is deposited in a safe. The next morning, it is counted and recorded by a volunteer committee. Then it is taken to the bank by the treasurer, who is accompanied by a policeman. Two people must sign all checks, and the preacher is not one of them. The minister has to go through the same red tape of budget requests, purchase orders, and receipts as others do. Our church is a member of the Evangelical Council on Financial Accountability, and there is an annual, independent audit of our books. The church staff is reminded to spend church funds more frugally than if they were their own.

People are motivated to give when they are confident they are giving directly to legitimate needs.

Title sermons to communicate they’re about more than giving. Message titles that reflect an emphasis on helping people understand money, instead of giving more of it, takes the dread out of money messages. A sermon series on “Money Matters” could include: “How Can You Make the Most of What You Have?” “When is Enough Enough?”

Bob Russell retired as Senior Minister of Southeast Christian Church in June 2006. During his tenure, the church grew from a few hundred members to a megachurch with an average weekend attendance of over 18,000, becoming one of the largest in America. He now serves as Chairman of the Board of Londen Institute, an organization that enables men and women to pursue a second career in the ministry. Bob also conducts monthly mentoring retreats for active ministers, seeking to encourage them and pass on some of his lessons learned.

See, a Chromebook or even a laptop or desktop only helps you with the content creation side of ministry: preparing sermons, writing lessons, writing blog posts etc. Whereas an iPad Pro can do both sides: content creation as well as presentation.

If you haven’t grasped this yet, your sermon introduction is vitally important. But what does it look like to knock the introduction out of the park? What are some things to avoid? What are some things to ensure are a part of it? Let’s dive into the 10 commandments of an effective sermon introduction!

I suppose, in my little prayer nook in my study, where I have a little prayer bench that I built in 1975, as I’ve bent over that bench thousands of times, the most common prayer has been, “Lead me not into temptation. Deliver me from evil (see Matthew 6:13). Keep me. Keep me. I feel so utterly unable to do the next thing. My kids are at the breakfast table. I have nothing. I’m supposed to model joyful fatherhood, and I’m so depressed I can hardly remember their names. Help me.”

"He has not chosen the strong, but the weak. He has not recruited the mighty, but the frail. He has not selected those who think themselves capable and worthy, but those who know themselves deficient and disqualified apart from his cleansing, preserving, and empowering grace."

Thank you Bob. When I preached a four week series in the fall of 2007 on "What the Bible Says About Debt," I received a wonderful response. I never mentioned giving to the church. I did not have to. The implications were obvious. Our church reduced its debt and so did many of our people. The timing was wonderful with the economy crashing in 2008. Since then, our giving has not gone down, even with the bad economy. I need to be sure to do a series on generosity at least every two years.

Bob, superb thoughts, as usual! In a previous ministry I was asked to preach sermons on stewardship every November. It set the tone for Thanksgiving (as well as the Holiday spending season) and always resulted in increased offerings and volunteer efforts. Besides the Bible, do you have some suggestions for good resouce material?